Side-by-side · Q2 2026 data
Members First Credit Union of Flori vs Guardians Credit Union
Credit union
Members First Credit Union of Flori
Pensacola, Florida · $100 million – $1 billion
Metric by metric
| Measure | Members First Credit Union of Flori | Guardians Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 86 | 86 |
| Earnings | 86 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 97th | 78th |
| Total assets | $315.8M | $309.5M |
| Deposits / shares | $265.5M | $256.4M |
| Capital ratio | 15.39% (stronger) | 14.68% |
| Problem loans | 0.43% | 0.42% (stronger) |
| Net charge-offs | 0.48% (stronger) | 0.93% |
| Return on assets | 1.66% (stronger) | 0.52% |
| Loans ÷ deposits | 51.8% (stronger) | 80.9% |
| Uninsured deposits | 8.0% | 4.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Members First Credit Union of Flori has the higher TellerScore (93 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Members First Credit Union of Flori leads on 5 and Guardians Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.